But the point you miss is that I had two cars on my insurance. I deleted neither and added a brand new car (as opposed to fifteen years old for the other two cars) and the rates went down. So I had the exact same insurance as before, plus some, and it costs less.

That's equivalent to going to the store to buy two hamburgers for $5 and being told that if you also purchase this filet mignon, you can get all three for $4.